Thursday, October 11, 2012

Refused A Mobile Phone Because Of Bad Credit History?

If you are someone who normally pays their bills but can't get a mobile phone contract, don't worry! There is a solution. You may be denied because of some minor anomaly with your credit score, which may not even be your fault, or just because of a few late payments, or a default notice, or even more seriously because of a CCJ or a bankruptcy.

Fear not! You don't have to continue spending hundreds of pounds on pay-as-you-go with costly top-ups or to put up with the inconvenience of it all. There are ways and means of getting around this problem and of still getting a great contract mobile phone deal. You can even repair your credit status with the mobile networks very quickly!

How?

There are some great SIM only 30-day Rolling Contract deals available which require a much less stringent credit-check by most networks because the risks are much less. They offer almost identical terms as a full long-term contract but without supplying you with a handset. Simply pop the SIM card into an existing suitable handset you may have, or which you can purchase SIM free from anywhere, or you can even use a cheap pay-as-you-go handset from a supermarket, and away you go! It is advisable to pick the SIM only deal from a network related to the handset you intend to use to ensure the SIM will work without having to 'unlock' the handset.

The cool bit is that if you pay your first three bills on time, you will almost certainly get accepted for a full contract and also be given a shiny brand new phone absolutely free of charge. The network will not carry out a credit check on you as you will be an existing customer who has maintained their account satisfactorily and, therefore, be considered creditworthy.

And it doesn't matter if you have been refused before or even if you get refused at the first time of asking this time around. Don't give up. There are 4 or 5 other network options. You can go to the networks directly or through one of many authorized dealerships, whatever your preference. Start with trying for an Orange SIM only deal, followed by T-Mobile, Vodafone, 3, O2, and Virgin. These networks have different credit check criteria at different stages of their respective financial years and set their consumer subscriber targets accordingly. If they have plenty of money to throw around in the early part of their financial year, they may set their credit bar lower than normal and you never know, you may even get through for a full contract with a new handset. Or you may be offered to put down a refundable deposit. Otherwise the SIM only option should certainly be an option for you.

A 30-day rolling contract SIM Only deal is truly a great solution for not only people who wish to repair their credit status with the network but for pay-as-you-go users who are fed up with the inconvenience of pay-as-you-go, want all the benefits of a long term contract, but with no long tie-ins. And you can cancel any time with just 30 days notice.

No costly top-ups, no strict credit checks, no long term contracts and you can rebuild your credit status and relationship with a mobile network. It's a winner all around!